Budgeting Help

What is a budgeting advance?

If you receive Universal Credit, you may be eligible for a budgeting advance to cover the cost of a specific expense; such as household items including furniture.

If your application is successful, your Universal Credit payments will be reduced until you’ve paid off the amount you borrowed. It is usually required that you pay this off within 12 months, but repayments may be extended to 18 months in exceptional circumstances.

How much can I borrow? 

The maximum amount you can borrow is:

  • £348 (singles without children)

  • £464 (couple without children)

  • £812 (if you have children)

The smallest amount you can borrow is £100.


To receive a Budgeting Advance, all of the following must apply:

  • You’ve been getting Universal Credit, Employment and Support Allowance, Income Support, Jobseeker’s Allowance or State Pension Credit for 6 months or more, unless you need the money to help you start a new job or stay in work.

  • You’ve earned less than £2,600 (£3,600 together for couples) in the past 6 months.

  • You’ve paid off any previous Budgeting Advance loans.

How do I apply?

Contact your local Jobcentre Plus work coach to apply.

Links with more info: